Formal dresses, on the other hand, are more elaborate and sophisticated, often featuring floor-length gowns with intricate detailing such as beading, sequins, or lace. They are typically worn to events like galas, black-tie weddings, or formal balls.
In terms of dress codes, semi-formal attire is less strict and allows for more personal style, while formal attire adheres to a specific level of elegance and formality. Ultimately, the choice between a semi-formal and formal dress depends on the event and the desired level of sophistication.
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Source:https://manofmany.com/fashion/mens-fashion-advice/difference-between-formal-and-semi-formal-dress-code
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Source:https://emilypost.com/advice/attire-guide-dress-codes-from-casual-to-white-tie